What Are Some Things Workers Compensation Insurance in Virginia Will Not Cover?

What Are Some Things Workers Compensation Insurance in Virginia Will Not Cover? A lot of people know what workers compensation insurance in Virginia does cover, but many people do not know what it doesn’t cover. There are some things that will not be taken care of through workers comp. As a business owner, you need to know what those things are. First, an employee who is intoxicated or on drugs is typically not covered by workers compensation. The moment that individual chooses to put drugs in their system while on the job, they generally lose the right to that sort of protection. Additionally, injuries that are self-inflicted, whether under the influence or not, may not be covered either. If an employee starts a physical fight at work, and is hurt during the brawl, he may not receive the protection that workers comp has to offer. Similarly, when someone engages in horseplay or deliberately violates a policy that is in place to protect the employees, they could also void that right. Finally, when someone is laid off, and they later come back to claim an injury from the job, they could have already waived their right to compensation. As you can see, there are certain situations that you are not responsible for as a business owner. Having workers compensation insurance in Virginia is a smart move to make, but that doesn’t mean you are responsible for everything that happens. Talk to your insurance agent to learn more.A lot of people know what workers compensation insurance in Virginia does cover, but many people do not know what it doesn’t cover. There are some things that will not be taken care of through workers comp. As a business owner, you need to know what those things are.

First, an employee who is intoxicated or on drugs is typically not covered by workers compensation. The moment that individual chooses to put drugs in their system while on the job, they generally lose the right to that sort of protection. Additionally, injuries that are self-inflicted, whether under the influence or not, may not be covered either.

If an employee starts a physical fight at work, and is hurt during the brawl, he may not receive the protection that workers comp has to offer. Similarly, when someone engages in horseplay or deliberately violates a policy that is in place to protect the employees, they could also void that right. Finally, when someone is laid off, and they later come back to claim an injury from the job, they could have already waived their right to compensation.

As you can see, there are certain situations that you are not responsible for as a business owner. Having workers compensation insurance in Virginia is a smart move to make, but that doesn’t mean you are responsible for everything that happens. Talk to your insurance agent to learn more.